Credit unions · Texas · Q2 2026
CY-Fair FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $384M |
| Total loans & leases | $246M |
| Total shares & deposits | $346M |
| Members | 25,900 |
| Net worth | $36.5M |
| Net worth / assets | 9.51% |
| Loans / assets | 64.25% |
| Return on assets (annualized) | 1.39% |
| Loan growth (YoY) | −1.54% |
| Member growth (YoY) | 2.74% |
| Delinquency, all loans (60+ days) | 1.26% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Cy-Fair FCU announced its own member-facing AI chat assistant, "Penny," in March 2025, which answers member questions and pulls credit union information on demand. No public evidence shows AI making decisions inside lending, collections or other workflows.
- Meet Penny, Your Smart, Fast, and Reliable AI Assistant! — Cy-Fair FCU “We're excited to introduce Penny, our new AI-powered chat assistant, here to make your experience smoother, faster, and more convenient than ever.”
- Meet Penny, Your Smart, Fast, and Reliable AI Assistant! — Cy-Fair FCU “Penny is designed to assist you instantly, often pulling information even faster than a live representative”